Chase Freedom Unlimited℠

Cardholders' Choice i
Cardholders' Choice i
Apply now
  • Unlimited 1.5% cash back on every purchase – it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash – any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Annual Fee:
$0
Purchase Intro APR:
0%* intro
(15 Months)
Purchase Regular APR:
15.74% - 24.49%*
Variable
Balance Transfer Intro APR:
0%* intro
(15 Months)
Balance Transfer Regular APR:
15.74% - 24.49%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.74%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 5%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee See Terms*

Rewards

Sign-Up Bonus

Earn $150 after you spend $500 in 3 months.

All Purchases

1.5% cash back per dollar

No cap on spending


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
5StarGoals
Perfection in a card!
by 5StarGoals
Helpful to 486 out of 515

I started fixing my destroyed credit and got the Capital One secured card first.  Once I had that card for a year I got my credit up to around 600.  I kept usage below 30% and applied for this card and was approved with a $2500 limit.  I use it for everything but I don't leave a balance, I have it on autopay but I also login every few days and pay it off so that I don't risk having my usage above 30% at any reporting time.  I have received the introductory $150 for spending more than $500 within the first 3months and have been getting around $50 in cashback rewards each month, spending money paying bills and shopping for things that I would normally be shopping for.  I have had no issues with this card so far and would highly recommend it if credit karma recommends it.  They haven't steered me wrong yet.  

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
MickU101
Approved for $500
by MickU101
Helpful to 1094 out of 1231

I have a 750 Fico score basically from paying off 2 auto loans. I opened up a banking account at a credit union and started to get flooded with credit cards letters. I decided on appying for this card after getting 2 pre-approvals. I have not had a credit card for over a decade so I applied with zero debt and was still not instantly approved but for good reason.  I called recon and was told that I had 2 Chase charged off accounts from over 10 years ago. I told them those fell off my credit reports years ago and that I had a good score but they said "We go by your Chase credit history not by what is on your credit reports or score" Then they just wanted a reason why I fell behind on those accounts in the past and I told them because I was in the military.   After waiting on hold for 5 minutes they said i would get a letter in the mail. 2 days later i called the status line and it said i was approved but not for how much. I waited 5 business days to get my card mailed which is when i found out it was only for $500. So there you have it. That explains why people with credit scores that are over 100-200 points lower are getting approved for thousands of dollars. Either they have a good Chase credit history or are berly starting a credit relationship with them.  

BTW I also got pre approval offers in the mail from BofA and Discover who I have not had a credit relationship with in the past. If i would have applied for those cards I would have likely gotten a higher credit line. So for those of you out there with a not so perfect past with Chase they might still approve you but with a small limit like mines so you might want to go with the other offers. If i were to do it over again i would have applied for the other cards but I'm happy that Chase approved me despite the minimum credit line because it beats getting declined.

  


Our Take

Chase Freedom UnlimitedSM offers great cash back rewards with no annual fee.

What to Like

With Chase Freedom UnlimitedSM, cardholders can earn unlimited 1.5% cash back on every single purchase, which is pretty cool. If you spend $500 on purchases in the first 3 months, you can also earn an additional $150 bonus. The rewards never expire as long as your account is open, there’s no annual fee and there’s also a 0% intro APR for 15 months on both purchases and balance transfers.

Look Out For

This card includes a 3% foreign transaction fee. Chase Freedom UnlimitedSM also doesn’t have 5% cash back in rotating categories, which is a feature of the standard Chase Freedom card.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from November 2016 through April 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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